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Federal Reserve Release H.2 Actions of the Board, Its Staff, and the Federal Reserve Banks; Applications and Reports Received No. 25 Week Ending June 18, 2011 Board of Governors of the Federal Reserve System, Washington, DC 20551 H.2 Board Actions June 12, 2011 to June 18, 2011 Testimony and Statements Banking Supervision — statement by Michael R. Foley, senior associate director, Division of Banking Supervision and Regulation, before a subcomittee of the Senate Committee on Banking, Housing, and Urban Affairs on the supervision and examination of financial institutions and changes to the Board's supervisory policies and procedures in response to the recent financial crisis. - Published, June 15, 2011 Capital and Liquidity Standards — statement by Governor Tarullo before the House Committee on Financial Services on capital and liquidity standards and their relationship to international competitiveness. - Published, June 16, 2011 Dodd-Frank Act and Derivatives ~ statement by Michael S. Gibson, senior associate director, Division of Research and Statistics, before the Senate Committee on Agriculture, Nutrition, and Forestry regarding the implementation of title VII of the Dodd-Frank Act and the Board's responsibilities for over-the-counter derivatives. - Published, June 15, 2011 Bank Holding Companies Mitsubishi UFJ Financial Group, Inc., Tokyo, Japan — application to acquire up to 24.9 percent of the voting shares of Morgan Stanley, New York, New York, and indirectly acquire an interest in its subsidiary banks, Morgan Stanley Bank, National Association, Salt Lake City, Utah, and Morgan Stanley Private Bank, National Association, Purchase, New York, and in certain nonbanking operations of Morgan Stanley. - Approved, June 14, 2011 (A/C) = Addition or Correction Board - Page 1 of 2 H.2 Board Actions June 12,2011 to June 18,2011 Regulations and Policies Regulation B (Equal Credit Opportunity) ~ publication for comment of a proposed rule to clarify that motor vehicle dealers temporarily are not required to comply with certain data collection requirements in the Dodd-Frank Act until the Board issues final regulations. - Approved, June 17, 2011 Enforcement Heritage Commerce Corp., San Jose, California, and Heritage Bank — written agreement dated February 17, 2010, terminated June 9, 2011. - Announced, June 14, 2011 Northwest Bancorporation, Inc., Palatine, Illinois — written agreement with the Federal Reserve Bank of Chicago. - Announced, June 14, 2011 (A/C) = Addition or Correction Board - Page 2 of 2 H.2 Actions under delegated authority BS&R Banking Supervision and Regulation C&CA Consumer and Community Affairs FOMC Federal Open Market Committee June 12,2011 to June 18,2011 RBOPS Reserve Bank Operations and Payment Systems IF International Finance OSD Office of Staff Director Bank Branches. Domestic Richmond Heritage Bank, Norfolk, Virginia ~ to establish a branch at 1403 Greenbrier Parkway, Chesapeake. - Approved, June 16, 2011 Chicago Morton Community Bank, Morton, Illinois — to establish a branch at 3512 Court Street, Pekin. - Approved, June 17, 2011 Dallas Southwest Bank, Fort Worth, Texas — to establish a branch at Jerome Street and Rosedale Street, Fort Worth. - Approved, June 13, 2011 Bank Holding Companies St. Louis Canton Bancshares, Inc., Hannibal, Missouri — to acquire Canton State Bank, Canton. - Approved, June 16, 2011 Minneapolis Leackco Bank Holding Company, Inc., Wolsey, South Dakota — to acquire Kingsbury Bank Holding Company, De Smet, and thereby indirectly acquire Peoples State Bank. - Approved, June 13,2011 (A/C) = Addition or Correction Delegated - 1 of 4 H.2 Actions under delegated authority June 12,2011 to June 18,2011 Bank Holding Companies Chicago North Central Bancshares, Inc., Fort Dodge, Iowa — to become a bank holding company on the conversion of its subsidiary bank, First Federal Savings Bank of Iowa, Fort Dodge, from a federally chartered savings bank to a state-chartered bank. - Approved, June 13, 2011 Atlanta PB Bancshares, Inc., Employees Stock Ownership Plan, Clifton, Tennessee — to become a bank holding company and to retain shares of PB Bancshares, Inc., Clifton, and its subsidiary bank, Peoples Bank. - Approved, June 14, 2011 New York Woori Finance Holdings Co., Ltd., Seoul, Korea — to acquire shares of Hanmi Financial Corp., Los Angeles, California, and thereby indirectly acquire Hanmi Bank. - Withdrawn, June 15, 2011 Bank Mergers St. Louis Centennial Bank, Conway, Arkansas — to purchase the assets and assume the deposit liabilities of First Commercial Bank of Tampa Bay, Tampa, Florida, and to retain the acquired facilities as branches. - Withdrawn, June 17, 2011 (A/C) = Addition or Correction Delegated - 2 of 4 H.2 Actions under delegated authority June 12,2011 to June 18,2011 Banks, National Secretary Citibank, N.A., Las Vegas, Nevada — location determination of master account at the Federal Reserve Bank of New York. - Approved, June 16, 2011 Change in Bank Control St. Louis First United, Inc., Central City, Kentucky — to retain control of First United, Inc. and its subsidiary bank, First National Bank of Muhlenberg County, Kentucky, Central City. - Permitted, June 17, 2011 Extensions of Time Chicago C-B-G, Inc., West Liberty, Iowa — extension to September 13, 2011, to acquire additional shares of Washington Bancorp, Washington, and thereby increase its indirect interest in Washington Bancorp's subsidiary bank, Federation Bank. - Granted, June 13, 2011 St. Louis M&P Community Bancshares, Inc. 401(k) Employee Stock Ownership Plan, Newport, Arkansas — extension to September 16, 2011, to acquire additional shares of M&P Community Bancshares, Inc., Newport. - Granted, June 16,2011 (A/C) = Addition or Correction Delegated - 3 of 4 H.2 Actions under delegated authority June 12, 2011 to June 18,2011 Membership Richmond First Community Bank, National Association, Bluefield, Virginia ~ to retain membership in the Federal Reserve System on conversion to a state-chartered bank, First Community Bank, Bluefield. - Approved, June 17, 2011 Regulations and Policies Director, C&CA Regulation Z (Truth in Lending) — annual adjustment of the dollar amount that triggers additional disclosure requirements for home morgage loans with rates or fees above a certain dollar amount. - Approved, June 13, 2011 (A/C) = Addition or Correction Delegated - 4 of 4 District: 1 Federal Reserve Bank of Boston Filings received during the week ending June 18, 2011 Filer BROOKLINE BANCORP, INC. BSB BANCORP INC SOUTH SHORE SAVINGS BANK Filing Type End of Comment Period *3A3 *3A5 Brookline Bancorp, Inc., Brookline, Massachusetts, to acquire Bancorp Rhode Island, Inc. and its subsidiary bank, Bank Rhode Island, both of Providence, Rhode Island pursuant to sections 3(a)(3) and 3(a)(5) of the Bank Holding Company Act, as amended. Newspaper: Not available Federal Register: 07/15/2011 * 3A1 BSB Bancorp, Inc., Belmont, Massachusetts to acquire 100% of the outstanding capital stock of Belmont Savings Bank, Belmont, Massachusetts, pursuant to section 3(a)(1) of the BHC Act, in connection with the conversion of the holding company from mutual to stock form. Newspaper: Not available Federal Register: Not available Application by South Shore Savings Bank, South Weymouth, Massachusetts, to become a member of the Federal Reserve System pursuant to section 9 of the Federal Reserve Act and section 208.3 of Regulation H. Newspaper: Not applicable Federal Register: Not applicable Member * Subject to the provisions of the Community Reinvestment Act Filing Proposal District: 1 Federal Reserve Bank of Boston Availability of CRA P u b l i c E v a l u a t i o n s The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 2 Federal Reserve Bank of New York Filings received during the week ending June 18, 2011 Filer Filing Type Filing Proposal End of Comment Period ADIRONDACK BANK * Branch Adirondack Bank, Utica, New York, requests to establish two branches located at (i) 1 Main Street, Richfield Springs, New York and (ii) 808 Main Street, Sylvan Beach, New York. Newspaper: Federal Register: 06/04/2011 Not applicable BANCO BPI, S.A. FBSEA Banco BPI, S.A., Porto, Portugal, to establish representative offices in Newark, New Jersey and Fall River, Massachusetts, pursuant to Section 10(a) of the International Banking Act of 1978, as amended and Section 211.24(a)(1) of Regulation K. Newspaper: Not available Federal Register: Not applicable Banco do Brasil S.A., Brasilia, Brazil and Caixa de Previdencia dos Funcionarios do Banco do Brasil, Rio de Janeiro, Brazil, to become bank holding companies by acquiring 51 percent of Eurobank, Boca Raton, Florida. Newspaper: Not available Federal Register: 07/15/2011 BNP Paribas, Paris, France, to establish an additional branch office in New York, New York, pursuant to Section 10(a) of the International Banking Act of 1978, as amended, and Section 211.24(a)(2)(i)(A) of Regulation K. Newspaper: Federal Register 07/08/2011 Not applicable BANCO DO BRASIL S.A. BNP PARIBAS * 3A1 FBSEA * Subject to the provisions of the Community Reinvestment Act District: 2 Federal Reserve Bank of New York Availability of CRA P u b l i c E v a l u a t i o n s The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID CRA Institution / Location Exam Date NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 3 Federal Reserve Bank of Philadelphia Filings received during the week ending June 18,2011 Filer CUSTOMERS BANCORP, INC Filing Type * 3A1 * 18C * 3A5 * Subject to the provisions of the Community Reinvestment Act Filing Proposal Customers Bancorp, Inc., Phoenixville, PA, to become a bank holding company through the reorganization of Customers Bank, Phoenixville, PA, resulting from the merger of New Century Interim Bank, Phoenixville, PA, with and into Customers Bank. Subsequently, Berkshire Bancorp, Wyomissing, PA, will merge with and into Customers Bancorp, Inc., and Berkshire Bank, Wyomissing, PA, will merge with and into Customers Bank, Phoenixville, PA. End of Comment Period Newspaper: Not available Federal Register: 07/08/2011 District: 3 Federal Reserve Bank of Philadelphia Availability of CRA P u b l i c E v a l u a t i o n s The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. CRA RSSD ID Exam Date Institution / Location NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 4 Federal Reserve Bank of Cleveland Filings received during the week ending June 18, 2011 Filer Filing Type NONE * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period District: 4 Federal Reserve Bank of Cleveland Availability of CRA P u b l i c E v a l u a t i o n s The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 5 Federal Reserve Bank of Richmond Filings received during the week ending June 18, 2011 Filer Filing Type Filing Proposal End of Comment Period ASB BANCORP, INC. * 3A1 ASB Bancorp, Inc., Asheville, North Carolina, to become a bank holding company upon the conversion of Asheville Savings Bank, S.S.B., Asheville, North Carolina, from a mutual to stock form of ownership. Newspaper: Federal Register: Not available 07/01/2011 Crescent Financial Bancshares, Inc. * 3A1 Crescent Financial Bancshares, Inc., Cary, North Carolina, to merge with Crescent Financial Corporation, Cary, North Carolina, and acquire control of Crescent State Bank, Caiy, North Carolina. Crescent Financial Bancshares, Inc., a newly formed subsidiary of Crescent Financial Corporation, the holding company of Crescent State Bank, was formed for the purpose of reincorporating the holding company as a Delaware corporation. Newspaper: Federal Register: 07/01/2011 07/01/2011 XENITH BANK * 18C Xenith Bank, Richmond, Virginia, to acquire certain assets and assume certain liabilities of the Richmond, Virginia, branch office of Paragon Commercial Bank, Raleigh, North Carolina. Newspaper: 07/09/2011 Federal Register: Not applicable * Subject to the provisions of the Community Reinvestment Act District: 5 Federal Reserve Bank of Richmond Availability of CRA P u b l i c E v a l u a t i o n s The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. CRA RSSD CRA Rating Exam Method Exam Date Public Date BANK OF FLOYD, FLOYD, VIRGINIA 01/24/2011 05/04/2011 Small Bank 933023 CNB, CENTRE VILLE, MARYLAND 02/07/2011 05/19/2011 Int Sm Bank 3374298 VIRGINIA HERITAGE BK, FAIRFAX, VIRGINIA 01/31/2011 05/16/2011 Int Sm Bank ID Institution / Location 355821 CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location District: 6 Federal Reserve Bank of Atlanta Filings received during the week ending June 18,2011 Filer Filing Type COMMERCE UNION BANCSHARES, INC. * 3A1 SAVANNAH RIVER FINANCIAL CORPORATION SUNTRUST BANK End of Comment Period Commerce Union Bancshares, Inc., to become a bank holding company by acquiring 100 percent of the outstanding shares of Commerce Union Bank, both of Springfield, Tennessee. Newspaper: 07/14/2011 Federal Register: 07/18/2011 * 3A1 Savannah River Financial Corporation, Augusta, Georgia, to become a bank holding company by acquiring Savannah River Banking Company, Aiken, South Carolina, upon its conversion to a state non-member bank. Newspaper: Federal Register: 07/05/2011 07/11/2011 * Branch SunTrust Bank, Atlanta, Georgia, to establish the following branches: 1702 N Main Street, Jacksonville, Florida, to be known as the Historic Springfield Branch; 3604 Memorial Drive, Decatur, Georgia, to be known as the Avondale Estates Branch; and 548 E Belvedere Avenue, Baltimore, Maryland, to be known as the Belvedere Square Branch. Newspaper: Federal Register: 06/28/2011 Not applicable * Subject to the provisions of the Community Reinvestment Act Filing Proposal District: 6 Federal Reserve Bank of Atlanta Availability of CRA P u b l i c E v a l u a t i o n s The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD ID CRA Institution / Location 3368635 PARADISE BK, BOCA RATON, FLORIDA CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Exam Date Public Date 02/14/2011 06/05/2011 CRA Rating Exam Method S IntSmBank District: 7 Federal Reserve Bank of Chicago Filings received during the week ending June 18, 2011 Filer Filing Type FIRST AMERICAN BANK CORPORATION 4c8 FIRST FEDERAL SAVINGS BANK OF IOWA Member NORTHERN TRUST COMPANY, THE 4c8 WCF FINANCIAL, M.H.C. : 3A1 * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period First American Bank Corporation, Elk Grove Village, Illinois, proposes to engage de novo in extending credit and servicing loans. Newspaper: Not applicable Federal Register: 07/01/2011 First Federal Savings Bank of Iowa, Fort Dodge, Iowa, to become a member of the Federal Reserve System following its conversion from a federal savings bank to a state chartered bank. Newspaper: Not applicable Federal Register: Not applicable Northern Trust Corporation and The Northern Trust Company, both located in Chicago, Illinois, to acquire 100 percent of the outstanding voting membership interests in Omnium LLC, a Delaware limited liability company, Chicago, Illinois. Newspaper: Not applicable Federal Register: 07/07/2011 WCF Financial, M.H.C. and Webster City Federal Bancorp, both of Webster City, Iowa, to become bank holding companies following the conversion Webster City Federal Savings Bank, Webster City, Iowa, from a federally chartered savings association to a state chartered bank. Newspaper: Not available Federal Register: Not available District: 7 Federal Reserve Bank of Chicago Availability of CRA P u b l i c E v a l u a t i o n s The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD CRA ID Institution / Location 807348 BANK OF OAKFIELD, OAKFIELD, WISCONSIN CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Exam Date Public Date 01/24/2011 06/13/2011 CRA Rating Exam Method S Small Bank District: 8 Federal Reserve Bank of St. Louis Filings received during the week ending June 18, 2011 Filer ALTON BANCSHARES, INC. FIRST DELTA BANK Filing Type *3A3 Member * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period Alton Bancshares, Inc., Alton, Missouri, to acquire 100 percent of First Community Bank of the Ozarks, Branson, Missouri. Newspaper: Not available Federal Register: Not available First Delta Bank, Marked Tree, Arkansas to become member of the Federal Reserve System. Newspaper: Not applicable Federal Register: Not applicable District: 8 Federal Reserve Bank of St. Louis Availability of CRA P u b l i c E v a l u a t i o n s The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. RSSD CRA ID Institution / Location 169653 FIRST BK, CREVE COEUR, MISSOURI CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Exam Date Public Date 08/16/2010 06/10/2011 CRA Rating Exam Method S Large Bank District: 9 Federal Reserve Bank of Minneapolis Filings received during the week ending June 18, 2011 Filer Filing Type NONE * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period District: 9 Federal Reserve Bank of Minneapolis Availability of CRA P u b l i c E v a l u a t i o n s The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. CRA RSSD Institution / Location ID 564856 630555 1ST BK, SIDNEY, MONTANA AMERICAN BK, BOZEMAN, MONTANA CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location CRA Rating Exam Method Exam Date Public Date 01/31/2011 06/07/2011 Small Bank 02/07/2011 06/08/2011 Int Sm Bank District: 10 Federal Reserve Bank of Kansas City Filings received during the week ending June 18, 2011 Filer Filing Type Filing Proposal End of Comment Period COMMERCE BANK, NATIONAL ASSOCIATION Member Commerce Bank, National Association, Kansas City, Missouri, to convert from a national to a state charter bank and retain its membership with the Federal Reserve. Newspaper: Federal Register: Not applicable Not applicable FARMERS BANK OF NORTHERN MISSOURI, NATIONAL ASSOCIATION Member Farmers Bank of Northern Missouri, National Association, Unionville, Missouri, to convert from a national to a state charter bank and retain its membership with the Federal Reserve. Newspaper: Not applicable Federal Register: Not applicable FIRSTBANK * Branch FirstBank, Lakewood, Colorado, to establish a de novo branch at 2100 Broadway Street, Boulder, Colorado. Newspaper: Federal Register: Not available Not applicable KEYSTONE INVESTMENT, INC. CIC Notification by Teresa L. Keslar, Beatrice, Nebraska, to acquire control of Keystone Investment, Inc., parent of Bank of Keystone, both in Keystone, Nebraska. Newspaper: Federal Register: Not available 06/21/2011 * Subject to the provisions of the Community Reinvestment Act District: 10 Federal Reserve Bank of Kansas City Availability of CRA P u b l i c E v a l u a t i o n s The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. CRA RSSD CRA Exam Date Public Date BANK OF BENNINGTON, BENNINGTON, NEBRASKA 03/07/2011 883959 BANK OF KREMLIN, KREMLIN, OKLAHOMA 02/28/2011 988452 FIRST BETHANY BK & TR, BETHANY, OKLAHOMA 03/14/2011 06/01/2011 S Small Bank INTERBANK, OKLAHOMA CITY, OKLAHOMA 02/28/2011 06/02/2011 S Int Sm Bank ID Institution / Location 348159 1187001 CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Rating Exam Method 06/07/2011 S Small Bank 05/30/2011 S Small Bank District: 11 Federal Reserve Bank of Dallas Filings received during the week ending June 18, 2011 Filer CARLILE BANCSHARES, INC. COMERICA BANK Filing Type *3A3 * Branch * Subject to the provisions of the Community Reinvestment Act Filing Proposal End of Comment Period Carlile Bancshares, Inc., Fort Worth, Texas, to acquire 100% of the common stock of The Bank at Broadmoor, Colorado Springs, Colorado. Newspaper: Not available Federal Register: 07/15/2011 Comerica Bank, Dallas, Texas, to establish a branch to be located at 411 West Lafayette Boulevard, Detroit, Michigan. Newspaper: Not available Federal Register: Not applicable District: 11 Federal Reserve Bank of Dallas Availability of CRA P u b l i c E v a l u a t i o n s The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. CRA RSSD Exam Date Institution / Location ID NONE CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location Public Date CRA Rating Exam Method District: 12 Federal Reserve Bank of San Francisco Filings received during the week ending June 18, 2011 Filer Filing Type Filing Proposal End of Comment Period BANK OF TAIWAN FBSEA Bank of Taiwan, Taipei, Taiwan, to upgrade its New York Agency to a branch office pursuant to section 211.24(a)(2)(ii)(a) of Regulation K and seciton 7(d) of FBSEA. Newspaper: Federal Register: Not available Not applicable INTERMOUNTAIN COMMUNITY BANCORP CIC Interagency Noticce of Change in Control by Castle Creek Capital Partners IV, LP, Castle Creek Advisors IV, LLC, Castle Creek Capital IV, LLC, John T. Pietrzak, Pietrzak Advisory Corp., John M. Eggemeyer, JME Advisory Corp., William J. Ruh, Ruh Advisory Corp., Mark G. Merlo, Legions IV Advisory Corp., Joseph Mikesell Thomas, and Mikesell Advisory Corp., all of Rancho Santa Fe, California, to acquire up to 24.9% of the voting shares of Intermountain Community Bancorp, a bank holding company that is the sole shareholder of Panhandle State Bank, a state non-member bank, both of Sandpoint, Idaho. Newspaper: Federal Register: Not available 06/21/2011 INTERMOUNTAIN COMMUNITY BANCORP CIC Interagency Noticce of Change in Control by Stadium Capital Partners, L P., Stadium Capital Qualified Partners, L.P., Stadium Capital Management LLC, and John Welbom, all of Bend, Oregon, to acquire up to 24.9 percent of Intermountain Community Bancorp, and thereby indirectly Panhandle State Bank, both of Sandpoint, Idaho. Newspaper: Federal Register: Not available Not available WESTERN LIBERTY BANCORP 4c8 Western Liberty Bancorp, Las Vegas, Nevada, to form a wholly-owned subsidiaiy, OREOSUB, Las Vegas, Nevada, to engage in extending credit and servicing loans, pursuant to sections 225.28(b)(1) and (2) of Regulation Y. Newspaper: Federal Register: Not applicable 07/01/2011 * Subject to the provisions of the Community Reinvestment Act District: 12 Federal Reserve Bank of San Francisco Availability of CRA P u b l i c E v a l u a t i o n s The Community Reinvestment Act is intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods. It was enacted by the Congress in 1977 (12 U.S.C. 2901) and is implemented by Regulation BB (12 CFR 228). The regulation was revised in May 1995. The CRA requires that each depository institution's record in helping meet the credit needs of its entire community be evaluated periodically. That record is taken into account in considering an institution's application for deposit facilities. A copy of an institution's CRA evaluation may be obtained directly from the institution or Reserve Bank. Federal bank regulators use the following performance levels to rate an institution's performance under CRA: 0 = Outstanding S = Satisfactory NI = Needs to improve SN = Substantial noncompliance The following state member banks have been examined and their CRA public evaluations are now available. CRA RSSD ID Institution / Location Exam Date Public Date 1471577 AMERICAN SCTY BK, NEWPORT BEACH, CALIFORNIA 02/28/2011 207872 FIRST UT BK, SALT LAKE CITY, UTAH 2209553 HERITAGE BK OF CMRC, SAN JOSE, CALIFORNIA CRA Examinations scheduled for Quarter of Institution NONE * Subject to the provisions of the Community Reinvestment Act Location CRA Rating Exam Method 06/14/2011 S Int Sm Bank 02/28/2011 06/15/2011 S Int Sm Bank 01/31/2011 06/03/2011 S Large Bank
@FedFRASER